Midnight Wins KYC & AML Policy

Midnight Wins applies KYC and AML procedures to verify the identity of every account holder, prevent fraud, and protect the platform from being used to facilitate financial crime. These obligations are not discretionary; they are legally mandated under United Kingdom law and enforced by the relevant regulatory bodies.

The core commitments underpinning these procedures include:

• Ensuring fair play for all users by maintaining a trustworthy and secure environment;
• Protecting user safety through verified account ownership and controlled access;
• Maintaining full transparency regarding the collection and use of personal data;
• Meeting all applicable regulatory requirements under UK anti-money laundering legislation;
• Upholding the platform’s licensing conditions and reporting obligations to competent authorities.

Every new user registered on Midnight Wins is required to complete a full identity check before accessing certain account features or processing withdrawals. Document submission must be completed promptly upon request, and failure to comply may result in restricted account access.

The following categories of documentation may be requested during the ID verification process:

• A valid, government-issued photo identification document, such as a passport, national identity card, or driving licence;
• Proof of address issued within a specified recent period, such as a utility bill or official bank correspondence;
• Confirmation of ownership of any payment method linked to the account, which may include bank statements or card verification documents;
• Additional supporting documentation where enhanced due diligence is required, based on the risk profile of the account holder.

Midnight Wins maintains a comprehensive set of internal controls designed to detect, prevent, and report money laundering, terrorist financing, and other forms of financial crime. These security measures are applied consistently across all accounts and transactions in accordance with United Kingdom AML legislation.

The platform’s AML framework includes the following controls:

• Continuous transaction monitoring to identify unusual patterns or volumes of financial activity;
• Automated detection systems configured to flag activity that deviates from expected account behaviour;
• Enhanced due diligence applied to accounts and transactions identified as presenting elevated risk;
• Detailed review of large transfers or deposits that fall outside standard thresholds or usage patterns;
• Risk scoring assigned to accounts based on behavioural, geographical, and transactional indicators;
• Screening of users against international sanctions lists and databases of Politically Exposed Persons (PEPs);
• Mandatory reporting of suspicious activity to the relevant United Kingdom authorities in accordance with applicable reporting obligations.

Midnight Wins enforces a strict set of platform restrictions in support of its KYC and AML obligations, and any violation of these terms may result in immediate enforcement action. Users are expected to conduct all activity on the platform in full compliance with these restrictions.

The following activities are strictly prohibited:

• Operating more than one account on the platform, whether under the same or a different identity;
• Submitting forged, altered, or stolen documents during any verification or document submission process;
• Attempting to use the platform to launder funds or to obscure the origin of financial assets;
• Manipulating platform systems, including games or transaction flows, in a manner that circumvents security measures;
• Sharing, selling, or transferring account access to any third party under any circumstances;
• Using payment instruments that are not registered in the account holder’s own name;
• Providing false or misleading personal data at any stage of registration, verification, or ongoing account use.

Any breach of Midnight Wins’ KYC or AML obligations, whether intentional or otherwise, will trigger immediate enforcement action in accordance with platform policy and applicable United Kingdom law. The severity of the response will be proportionate to the nature and extent of the violation identified.

Enforcement measures may include temporary or permanent account suspension, freezing or confiscation of funds associated with suspicious activity, cancellation of bets or winnings connected to non-compliant conduct, and reporting of the account holder to competent United Kingdom authorities where applicable under the platform’s reporting obligations.

All users registered on Midnight Wins are required to provide accurate, complete, and up-to-date personal data at all times, including during registration and throughout the lifetime of their account. It is the responsibility of each account holder to complete the ID verification process within the timeframes specified by the platform, without delay or omission. Users must respond promptly to any request for additional documents or information issued by the compliance team, and failure to do so may result in account restrictions being applied. All payment methods linked to an account must be solely owned and operated by the registered account holder; the use of third-party payment instruments is not permitted under any circumstances. In the event that a user becomes aware of or suspects any suspicious activity connected to their account or the platform, they are required to report it to the relevant support or compliance channel without delay.

Midnight Wins is committed to upholding the principles of fair play and transparency in all aspects of its operations, ensuring that every user benefits from equal conditions and a protected environment. These commitments are embedded in the platform’s approach to account protection, personal data management, and regulatory compliance.

The principles governing this commitment include:

• Full compliance with applicable KYC and AML standards as required by United Kingdom regulatory authorities;
• Strict confidentiality in the handling and protection of personal data submitted by users during document submission or verification;
• Ongoing transaction monitoring to detect and address suspicious activity before it causes harm;
• Active prevention of manipulation, collusion, and any conduct that undermines the fairness of the platform;
• Dedicated user support on matters relating to account safety, ID verification, and compliance queries;
• Shared responsibility between the platform and its users to maintain a secure and lawful environment;
• Equal application of all KYC, AML, and account protection measures to every registered user, without exception.